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Computes DTI from gross monthly income and debt payments. Use when checking loan eligibility; differs from home-affordability by ratio check vs max house budget. Returns DTI %, front/back-end split and risk band. 100% client-side.
Debt-to-Income Ratio Calculator is loading — interactive editor will appear here. Use examples below to try instantly once loaded.
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Calculates your debt-to-income (DTI) ratio: your total monthly debt payments divided by your gross monthly income, expressed as a percentage. Shows where your ratio falls relative to common lender thresholds.
Lenders use DTI to judge whether a borrower can afford new payments, and households use it to check how much of their income is already committed to debt. A simple ratio makes both easy to see.
This tool is part of the DevStackIO platform — a collection of free online developer tools from DevStackIO. Browse more free developer resources on DevStackIO.
Borrowers applying for a mortgage or loan, renters checking affordability, and anyone tracking how much of their income goes to debt.
Add up your total monthly debt payments
Enter your gross monthly income
Read the DTI percentage and where it falls
Compare against lender thresholds (typically 36% and 43%)
Add a prospective new payment to model a future application
Re-run as you pay down debt or your income changes
$1,500 debt, $5,000 income → DTI 30%$2,000 debt, $4,000 income → DTI 50% (high)$1,900 debt, $5,500 income → DTI 34.5% — comfortably under the 36% benchmark$2,600 debt, $6,000 income → DTI 43.3% — right at the mortgage ceilingDoes this tool support multiple currencies?
Yes, select your currency from the dropdown. All calculations run locally in your browser.
Is this financial advice?
No, it is an informational metric.
What is a good DTI?
Below 36% is generally healthy; above 43% limits most mortgage options.
Front-end vs back-end?
Back-end (total debt) is what this calculator shows and what most lenders emphasize.
Is my data shared?
No, the ratio is computed locally in your browser.
What counts as debt for DTI?
Monthly obligations like mortgage/rent, cards, auto, student, personal loans, and other recurring payments.
Can I improve my DTI?
Yes — pay down balances, avoid new debt, or increase income before you apply.
Authoritative specifications, standards, and in-depth reading for Debt-to-Income Ratio Calculator.
Mortgage, car, cards, student loans, etc.
Income before taxes and deductions
Debt-to-income ratio
30.00%
Healthy range
Monthly debt
$1,500.00
Monthly income
$5,000.00
Lenders commonly prefer a ratio below 43%. Some prefer 36% or less including a new home payment.
Not financial advice
The results from this calculator are provided for general informational and educational purposes only. They are estimates based on the assumptions you enter and do not constitute financial, tax, legal, or investment advice, nor a recommendation to buy, sell, or hold any financial product. Tax codes, rates, and regulations change frequently and vary by country, state, and local jurisdiction — and may differ based on your individual circumstances, employer plan rules, and provider policies. Always verify the figures with current official sources and consult a qualified financial, tax, or legal professional before making any financial decision. All calculations run privately in your browser; nothing you enter is sent to our servers.
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